{"id":701,"date":"2025-07-31T12:20:28","date_gmt":"2025-07-31T10:20:28","guid":{"rendered":"https:\/\/privor.agenturschmucki.ch\/?page_id=701"},"modified":"2026-02-18T12:02:22","modified_gmt":"2026-02-18T11:02:22","slug":"libero-passaggio-2-pilastro","status":"publish","type":"page","link":"https:\/\/privor.ch\/it\/libero-passaggio-2-pilastro\/","title":{"rendered":"Libero passaggio 2\u00b0 pilastro"},"content":{"rendered":"\n<section class=\"wp-block-group alignwide section-header is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-cover alignwide is-light has-custom-content-position is-position-bottom-center\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"711\" class=\"wp-block-cover__image-background wp-image-300 size-large\" alt=\"\" src=\"https:\/\/privor.ch\/wp-content\/uploads\/2025\/08\/privor_stiftung_3saeule_freizuegigkeitsstiftung_6-1024x711.jpg\" data-object-fit=\"cover\" srcset=\"https:\/\/privor.ch\/wp-content\/uploads\/2025\/08\/privor_stiftung_3saeule_freizuegigkeitsstiftung_6-1024x711.jpg 1024w, https:\/\/privor.ch\/wp-content\/uploads\/2025\/08\/privor_stiftung_3saeule_freizuegigkeitsstiftung_6-300x208.jpg 300w, https:\/\/privor.ch\/wp-content\/uploads\/2025\/08\/privor_stiftung_3saeule_freizuegigkeitsstiftung_6-768x533.jpg 768w, https:\/\/privor.ch\/wp-content\/uploads\/2025\/08\/privor_stiftung_3saeule_freizuegigkeitsstiftung_6-1536x1067.jpg 1536w, https:\/\/privor.ch\/wp-content\/uploads\/2025\/08\/privor_stiftung_3saeule_freizuegigkeitsstiftung_6-2048x1422.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim\" style=\"background-color:#698ab7\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-block-cover-is-layout-constrained\">\n<div class=\"wp-block-group alignfull is-horizontal is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-c43d38c9 wp-block-group-is-layout-flex\">\n<h1 class=\"wp-block-heading alignfull slide-in-left\">\u00abParcheggiare\u00bb l\u2019avere della cassa pensione \u2013 <strong>redditizio<\/strong> e <strong>flessibile<\/strong><\/h1>\n\n\n\n<div class=\"wp-block-group fade-in delay-5 is-content-justification-center is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group cta-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group fade-in delay-5 cta_button is-content-justification-center is-layout-constrained wp-block-group-is-layout-constrained\">\n<a class=\"cta\" href=\"https:\/\/staging.schneebeli.com\/kontakt\/\" aria-label=\"Link to Contact-Page\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" id=\"Ebene_1\" x=\"0px\" y=\"0px\" width=\"185px\" height=\"185px\" viewBox=\"0 0 185 185\" style=\"enable-background:new 0 0 185 185;\" xml:space=\"preserve\">\n<style type=\"text\/css\">\n\t.st1{fill:url(#SVGID_1_);}\n<\/style>\n<linearGradient id=\"SVGID_1_\" gradientUnits=\"userSpaceOnUse\" x1=\"135.4971\" y1=\"9.6551\" x2=\"49.0113\" y2=\"177.5669\" gradientTransform=\"matrix(1 0 0 -1 0 186)\">\n\t<stop offset=\"0\" style=\"stop-color:#FF8200\"\/>\n\t<stop offset=\"1\" style=\"stop-color:#FF9900\"\/>\n\t<stop offset=\"1\" style=\"stop-color:#FF9900\"\/>\n<\/linearGradient>\n<path class=\"st1\" d=\"M69.1,4.9c1.5-3.1,5.5-3.9,8.1-1.8l0.2,0.2c2.3,1.9,5.8,1.5,7.6-0.9l0.2-0.2c2-2.8,6.1-2.9,8.3-0.3L93.6,2  c1.9,2.3,5.5,2.5,7.6,0.4l0.2-0.2c2.5-2.4,6.5-1.8,8.2,1.2l0.1,0.2c1.5,2.6,4.9,3.5,7.4,1.8l0.2-0.1c2.8-1.9,6.7-0.6,7.8,2.6  l0.1,0.2c1,2.9,4.2,4.3,7,3.1l0.2-0.1c3.1-1.3,6.7,0.6,7.2,4l0,0.3c0.5,3,3.4,5,6.3,4.3l0.3-0.1c3.3-0.8,6.5,1.8,6.4,5.2l0,0.3  c-0.1,3,2.4,5.5,5.5,5.4l0.3,0c3.4-0.2,6.1,2.9,5.4,6.3l-0.1,0.3c-0.6,3,1.4,5.8,4.4,6.2l0.3,0c3.4,0.5,5.4,4,4.2,7.1l-0.1,0.2  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class=\"wp-block-group alignwide is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group slide-in-up is-vertical is-content-justification-center is-layout-flex wp-container-core-group-is-layout-4b2eccd6 wp-block-group-is-layout-flex\">\n<h2 class=\"wp-block-heading has-text-align-center\">Libero passaggio 2\u00b0 pilastro<\/h2>\n\n\n\n<p class=\"has-text-align-center\">Formazione continua, pause maternit\u00e0, soggiorno all\u2019estero o congedo sabbatico \u2013 sono numerosi i motivi per cui dopo la cessazione di un rapporto di lavoro non prendere subito servizio in un nuovo posto di lavoro. Il fatto \u00e8 che, con la cessazione del rapporto di lavoro avviene anche l\u2019uscita dalla cassa pensione del datore di lavoro. Il conto di libero passaggio di Privor vi consente di effettuare l\u2019investimento a destinazione vincolata previsto per legge dell\u2019avere di libero passaggio. Il vostro capitale di previdenza \u00e8 temporaneamente \u00abparcheggiato\u00bb presso di noi.<\/p>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-group vorteile is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-vertical is-content-justification-center is-layout-flex wp-container-core-group-is-layout-4b2eccd6 wp-block-group-is-layout-flex\">\n<h3 class=\"wp-block-heading has-text-align-center slide-in-up\">Vantaggi<\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group slide-in-up delay-1 is-vertical is-layout-flex wp-container-core-group-is-layout-8cf370e7 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/privor.ch\/wp-content\/uploads\/2025\/08\/Rendite-hell.svg\" alt=\"\" class=\"wp-image-242\"\/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">Realizzare un rendimento<\/h4>\n\n\n\n<p class=\"is-style-paragraph-x-small is-style-paragraph-x-small--1\">Mentre cercate di orientarvi, il vostro capitale di previdenza lavora per voi. A seconda del modello di previdenza Privor, il vostro avere della cassa pensione realizza ottimi rendimenti con una quota individuale di investimenti in titoli.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group slide-in-up delay-3 is-vertical is-layout-flex wp-container-core-group-is-layout-8cf370e7 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/privor.ch\/wp-content\/uploads\/2025\/08\/Steuern-hell.svg\" alt=\"\" class=\"wp-image-243\"\/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">Libero passaggio<\/h4>\n\n\n\n<p class=\"is-style-paragraph-x-small is-style-paragraph-x-small--2\">I fondi di libero passaggio possono essere percepiti al pi\u00f9 presto cinque anni prima del pensionamento e solo sotto forma di capitale complessivo.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group slide-in-up delay-3 is-vertical is-layout-flex wp-container-core-group-is-layout-8cf370e7 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/privor.ch\/wp-content\/uploads\/2025\/08\/haus.svg\" alt=\"\" class=\"wp-image-239\"\/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">Finanziare l\u2019abitazione di propriet\u00e0<\/h4>\n\n\n\n<p class=\"is-style-paragraph-x-small is-style-paragraph-x-small--3\">Il vostro conto di libero passaggio Privor pu\u00f2 essere utilizzato per il finanziamento di un\u2019abitazione di propriet\u00e0. Utilizzate la vostra previdenza per la vecchiaia a scopo di finanziamento o come garanzia per la banca.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group slide-in-up delay-5 is-vertical is-layout-flex wp-container-core-group-is-layout-8cf370e7 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/privor.ch\/wp-content\/uploads\/2025\/08\/Flexibel-hell.svg\" alt=\"\" class=\"wp-image-244\"\/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">Semplice, flessibile e personale<\/h4>\n\n\n\n<p class=\"is-style-paragraph-x-small is-style-paragraph-x-small--4\">I nostri specialisti della previdenza e le nostre banche partner vi forniranno una consulenza personale e attribuiscono grande importanza a un\u2019assistenza personalizzata e semplice. All\u2019inizio dell\u2019anno riceverete una chiusura conto con attestato fiscale.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-group alignwide is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group fade-in delay-5 is-content-justification-center is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group cta-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group fade-in delay-5 cta_button is-content-justification-center is-layout-constrained wp-block-group-is-layout-constrained\">\n<a class=\"cta\" href=\"https:\/\/privor.ch\/it\/libero-passaggio-2-pilastro\/#apertura-conto\" aria-label=\"Link to Contact-Page\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" id=\"Ebene_1\" x=\"0px\" y=\"0px\" width=\"185px\" height=\"185px\" viewBox=\"0 0 185 185\" 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data-id=\"https:\/\/privor.ch\/freizuegigkeit-2-saeule\/#kontoeroeffnung\">Contattare subito la banca partner Privor<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group slide-in-up is-vertical is-layout-flex wp-container-core-group-is-layout-76a81b31 wp-block-group-is-layout-flex\">\n<h3 class=\"wp-block-heading\">Requisiti<\/h3>\n\n\n\n<p>Vi sono diverse situazioni in cui avete bisogno di un conto di libero passaggio:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>In caso di cambiamento d\u2019impiego non dovete versare l\u2019intero capitale di previdenza nella nuova cassa pensione<\/li>\n\n\n\n<li>Avviate un\u2019attivit\u00e0 professionale indipendente<\/li>\n\n\n\n<li>Avete perso il posto di lavoro<\/li>\n\n\n\n<li>Interrompete la vostra attivit\u00e0 lucrativa (ad esempio a causa di pause di maternit\u00e0, congedo sabbatico, formazione continua)<\/li>\n<\/ul>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-group alignwide is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group slide-in-up is-vertical is-content-justification-center is-layout-flex wp-container-core-group-is-layout-4b2eccd6 wp-block-group-is-layout-flex\">\n<h3 class=\"wp-block-heading has-text-align-center\">Soluzioni di libero passaggio Privor<\/h3>\n<\/div>\n\n\n\n<details class=\"wp-block-details alignwide slide-in-up delay-1 is-layout-flow wp-block-details-is-layout-flow\"><summary>Conto di risparmio<\/summary>\n<p>All\u2019apertura del conto riceverete un certificato di libero passaggio ed un estratto conto annuale.<\/p>\n<\/details>\n\n\n\n<details class=\"wp-block-details alignwide slide-in-up delay-1 is-layout-flow wp-block-details-is-layout-flow\"><summary>Soluzioni in titoli o soluzioni miste<\/summary>\n<p>Desiderate sfruttare con i vostri fondi della cassa pensione un potenziale di rendimento aggiuntivo? A tale proposito Privor vi offre soluzioni esclusivamente in titoli ma anche soluzioni miste con diverse ponderazioni del portafoglio.<\/p>\n<\/details>\n<\/section>\n\n\n\n<section class=\"wp-block-group alignwide is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group slide-in-up is-vertical is-content-justification-left is-layout-flex wp-container-core-group-is-layout-c0ca7d81 wp-block-group-is-layout-flex\">\n<h3 class=\"wp-block-heading has-text-align-left\">Prezzi e condizioni*<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>Apertura conto<\/td><td>Gratuito<\/td><\/tr><tr><td>Tenuta del conto<\/td><td>Su misura presso le banche partner Privor<\/td><\/tr><tr><td>Estratti conto<\/td><td>Estratto conto gratuito al 31 dicembre<\/td><\/tr><tr><td>Chiusura conto<\/td><td>Chiusura conto gratuita al 31 dicembre<\/td><\/tr><tr><td>Imposta preventiva<\/td><td>Nessuna<\/td><\/tr><tr><td>Estinzione del conto<\/td><td>CHF 25.\u2013 in caso di estinzione entro un anno dall\u2019apertura, successivamente gratuito<\/td><\/tr><tr><td>Prelievo per propriet\u00e0 abitativa<\/td><td>CHF 400.\u2013 comprensivi dell\u2019iscrizione nel registro fondiario<\/td><\/tr><tr><td>Spedizione<\/td><td>Invio gratuito di comunicazioni annuali<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"fussnote \">Condizioni valide per il conto di risparmio.<br>Condizioni per le soluzioni in titoli individuali su richiesta.<\/p>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-group alignwide is-style-group-bg-grey cta-padding-top is-layout-constrained wp-block-group-is-layout-constrained is-style-group-bg-grey--5\" id=\"apertura-conto\">\n<div class=\"wp-block-group fade-in delay-5 is-content-justification-center is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group cta-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group fade-in delay-5 cta_button is-content-justification-center is-layout-constrained wp-block-group-is-layout-constrained\">\n<a class=\"cta\" href=\"https:\/\/privor.ch\/it\/banche-partner\/\" aria-label=\"Link to Contact-Page\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" version=\"1.1\" id=\"Ebene_1\" x=\"0px\" y=\"0px\" width=\"185px\" height=\"185px\" viewBox=\"0 0 185 185\" style=\"enable-background:new 0 0 185 185;\" xml:space=\"preserve\">\n<style type=\"text\/css\">\n\t.st1{fill:url(#SVGID_1_);}\n<\/style>\n<linearGradient id=\"SVGID_1_\" gradientUnits=\"userSpaceOnUse\" x1=\"135.4971\" y1=\"9.6551\" x2=\"49.0113\" y2=\"177.5669\" gradientTransform=\"matrix(1 0 0 -1 0 186)\">\n\t<stop offset=\"0\" style=\"stop-color:#FF8200\"\/>\n\t<stop offset=\"1\" style=\"stop-color:#FF9900\"\/>\n\t<stop offset=\"1\" style=\"stop-color:#FF9900\"\/>\n<\/linearGradient>\n<path class=\"st1\" 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l0.2-0.1c2.8-1.1,4.1-4.4,2.8-7.1l-0.1-0.2C7.8,53,9.6,49.3,13,48.7l0.3-0.1c3-0.6,4.8-3.6,4-6.5l-0.1-0.2c-0.9-3.3,1.5-6.6,4.9-6.6  l0.3,0c3-0.1,5.4-2.7,5.1-5.7l0-0.3c-0.3-3.4,2.7-6.2,6-5.7l0.3,0c3,0.5,5.8-1.7,6-4.7l0-0.3c0.3-3.4,3.7-5.6,6.9-4.5l0.2,0.1  c2.9,1,6-0.6,6.8-3.6l0.1-0.2c0.9-3.3,4.7-4.9,7.6-3.2l0.2,0.1c2.6,1.5,6,0.4,7.3-2.3L69.1,4.9z\"\/>\n<\/svg>\n<\/a>\n\n\n\n<p><a href=\"https:\/\/privor.ch\/it\/banche-partner\/\" data-type=\"page\" data-id=\"43\">Trovare una banca partner Privor<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group slide-in-up is-vertical is-layout-flex wp-container-core-group-is-layout-76a81b31 wp-block-group-is-layout-flex\">\n<h3 class=\"wp-block-heading\">Apertura conto<\/h3>\n\n\n\n<p>Gli averi di libero passaggio possono essere trasferiti da questa o da un\u2019altra fondazione di libero passaggio solo in qualit\u00e0 di assicurato attivo presso una cassa pensione. Non possono essere versati contributi di risparmio privati, fatta eccezione per il rimborso in caso di propriet\u00e0 abitativa, che in caso di vendita dell\u2019abitazione di propriet\u00e0 deve essere fatta rientrare nel 2\u00b0 pilastro. Il conto viene aperto solo al ricevimento della prestazione di libero passaggio. Le nostre banche partner Privor saranno liete di offrirvi la loro consulenza e di fornirvi le coordinate di pagamento per il trasferimento.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-file\"><a id=\"wp-block-file--media-c2075e36-2f2a-488f-ba4f-b9ab6034a56f\" href=\"https:\/\/privor.ch\/wp-content\/uploads\/2025\/08\/privor_reglement_fondation_de_libre_passage_FR-1.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Regolamento di libero passaggio<\/a><\/div>\n\n\n\n<div class=\"wp-block-file\"><a id=\"wp-block-file--media-a390c648-d123-4119-b897-4794d556806c\" href=\"https:\/\/privor.ch\/wp-content\/uploads\/2025\/08\/privor_reglement_fondation_de_libre_passage_reglement_de_placement_FR-1.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Regolamento sugli investimenti<\/a><\/div>\n\n\n\n<div class=\"wp-block-file\"><a id=\"wp-block-file--media-5c715ad6-74cb-4d22-b053-5679b27fe779\" href=\"https:\/\/privor.ch\/wp-content\/uploads\/2025\/08\/privor_libre_passage_2eme_pilier_reglement_des_frais_FR-1.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Regolamento sui costi<\/a><\/div>\n<\/div>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Libero passaggio 2\u00b0 pilastro Formazione continua, pause maternit\u00e0, soggiorno all\u2019estero o congedo sabbatico \u2013 sono numerosi i motivi per cui dopo la cessazione di un rapporto di lavoro non prendere subito servizio in un nuovo posto di lavoro. Il fatto \u00e8 che, con la cessazione del rapporto di lavoro avviene anche l\u2019uscita dalla cassa pensione [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":21,"comment_status":"closed","ping_status":"closed","template":"wp-custom-template-index-footer-white","meta":{"footnotes":""},"class_list":["post-701","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/privor.ch\/it\/wp-json\/wp\/v2\/pages\/701","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/privor.ch\/it\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/privor.ch\/it\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/privor.ch\/it\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/privor.ch\/it\/wp-json\/wp\/v2\/comments?post=701"}],"version-history":[{"count":7,"href":"https:\/\/privor.ch\/it\/wp-json\/wp\/v2\/pages\/701\/revisions"}],"predecessor-version":[{"id":1182,"href":"https:\/\/privor.ch\/it\/wp-json\/wp\/v2\/pages\/701\/revisions\/1182"}],"wp:attachment":[{"href":"https:\/\/privor.ch\/it\/wp-json\/wp\/v2\/media?parent=701"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}